secwatch.observer — SEC 8-K summary
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Issuer:     PEOPLES BANCORP INC (PEBO)
CIK:        0000318300
Form:       8-K
Filed at:   2025-10-27T23:59:59+00:00
Accession:  0000318300-25-000290
Event type: earnings
Sentiment:  negative
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Peoples Bancorp Q3 net income $29.5M, down 7% YoY; ROA 1.22%, efficiency ratio worsens to 57.1%
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- Net income $29.5M ($0.83 diluted EPS est.) vs $31.7M in Q3 2024; provision for credit losses $7.3M vs $6.7M.
- Return on average assets 1.22% vs 1.38% YoY; return on avg tangible equity 16.2% vs 19.4% YoY.
- Efficiency ratio 57.1% vs 55.1% YoY; pre-provision net revenue $48.3M vs $48.5M YoY.
- Tangible book value per share $22.05, up from $20.29 at Sept 30, 2024.
- Non-interest income $23.8M, down from $24.8M YoY; net interest income $91.3M vs $88.9M YoY.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/318300/000031830025000290/0000318300-25-000290-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/318300/000031830025000290/pebo-20251027.htm
  HTML page:      https://secwatch.observer/filing/0000318300-25-000290

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer